if your property was bought about 5 years back... not is the time that you want to refinance your property.
5 years ago most packages were BLR+X% comparing to current package of BLR-X%

Infact i'm considering to cash out from my property's equity.... LOL.... if ur mortgage is BLR-2.2%, meaning your borrowing cost is about 4.3% (6.5%-2.2%) only. That is cheaper than any car or credit card loan.

Any suggest what package to take? I'm looking for something zero entry cost and flexi loan which provides a current account as withdrawal/prepayment facility.

Nova, if you are interested in taking a loan, you can give me a call @ 012-3871138. I can help you out with the different loan packages and see which package is suitable for you.

As for the rates, I'm sure you have seen the post in the other topic.

Anything related to the mortgage rate can be discussed in existing thread. http://forum.lowyat.net/topic/701749/+60

Thanks.